subject: Get All the Available Auto Insurance Discounts [print this page] Get All the Available Auto Insurance Discounts
When getting quotes on auto insurance policies it is important to make sure that all of the discounts available are being applied to the policy. There are many types of discounts available that can significantly reduce the premium on the policy. Some of these, for instance the good driver discount, can reduce the premium by as much as 20 percent in on California auto insurance policies.
The discounts offered will vary from company to company and most insurance companies will combine discounts on policies to reduce the premium being charged. A few examples would be the good student discount, multi-policy and civil servant discounts. There are actually companies that are available that previously had exclusively written policies for civil servants, such as, firefighters, teachers, and police officers that now will write policies with all occupations but apply the discounts to these types of employees.
The good student discount is one of the most important discounts that can be applied to the policy. Many times this discount is the largest reducing factor on a policy that has youthful operators or drivers with minimal license experience. The premiums for these drivers generally amounts to the highest in across the nation thus making the discounts associated with it the most effective on the policy. College students frequently miss the opportunity to get the good student discount when they purchase a policy. The most common reason is that many college students work as well as go to school and when they are asked their occupation their schooling is not mentioned. They are often not asked if they qualify for the discount.
Another commonly missed discount is for consumers that had recently purchased a home that get a homeowners insurance policy with the same company as their auto insurance. Many times the discount will be applied to the homeowner policy but never get applied to the auto insurance. With the discounts available it is important for the consumer to ask if they are receiving all that they qualify for. When multiple discounts are applied to the policy the savings can be quite significant.
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